Equipment Financing

Equipment Financing for Franchise Owners

Finance the equipment your franchise needs separately and preserve your working capital for growth.

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What Is Equipment Financing

Finance your tools, not just your business

Equipment financing allows you to spread the cost of business equipment over time rather than paying for everything upfront. The equipment itself typically serves as collateral, which makes approval easier and faster than many other funding types.

For franchise buyers, this can be a smart way to preserve working capital. Instead of spending $80,000 of your startup funds on equipment, you can finance that purchase and keep your liquid capital available for payroll, marketing, and early operating costs.

Equipment financing is commonly used by franchises in the home services, food and beverage, fitness, and pet care categories, where tools and machines represent a significant portion of startup costs.

Equipment Financing at a Glance

Loan Amounts $5,000 to $5 million+
Interest Rates Varies by lender and credit
Terms 12 to 84 months typical
Approval Time Often within 24 to 72 hours
Collateral The equipment itself
Down Payment Sometimes zero down available
Best Fits

Franchise categories where equipment financing shines

Home Services

Trucks, tools, pressure washing equipment, inspection gear, and service vehicles.

Food and Beverage

Commercial kitchen equipment, refrigeration, point-of-sale systems, and specialty machines.

Fitness and Wellness

Gym equipment, treatment tables, massage chairs, IV therapy stations, and stretch equipment.

Pet Services

Mobile grooming vans, bathing equipment, grooming tables, and supplies.

Cleaning Services

Industrial vacuums, carpet cleaning machines, pressure washers, and vehicle wraps.

Technology and Education

Computer workstations, audio equipment, classroom furniture, and learning tools.

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